We have an hourly employee who is currently drawing down on his life insurance premiums (Permanent and Total Disability is what we call it). He has requested that we stop this benefit as he is trying to apply for Medicaid. While our policy limits the employee from cancelling this policy (once you start it, you cannot stop it until it runs out - 11/06). We are looking at trying to adhere to his request, however, we need to document his request in a legal contract), with several stipulations. Does anyone have a sample that they can provide.